You're welcome If I can find published rate for free, I'll post under this queston

NPVAdvisor :

If this does it for now...

I would appreciate either an “accept” or a feedback rating of 3 (OK) or better. That's the only way they will pay us here. HOWEVER, if you need more on this, PLEASE COME BACK here, so you won't be charged for another question

Customer:

if you can publish rate I would appreciate it

NPVAdvisor :

I am still looking , on NY site now ... may take a while ... mind if I switch to Q&A so I can dig in and then post? (1 hr or so?)

Found this, but this is just a posting site ... no guarantees (BUT there was enough specificity in the post regarding New York, I though it m.might give you a place to start)

Might want to check with the pool carrier. In NY, the owner can opt out of the coverage only if the owner's policy is in the standard market, not the pool, and only if the owner doesn't physically manufacture anything. The pool will most likely require you to carry coverage on the owners. It is perfectly legal to pay the owners a small stipend and then bonus them at yearend. Only a portion of the bonus would be subject to premium. Keep in mind that I'm not a licensed agent in NY and your best bet is to contact a licensed agent and tell them of your dilemma. Oh, one other word of caution. If you have already been audited and have not paid the back charge, you will be blacklisted until it is paid. What that means is that if you fail to pay the additional premium and you are cancelled for non-payment or if you decide to avoid the charges by changing carriers, no one will write your coverage. Another alternative might be the employee leasing route, where the premiums tend to be much cheaper, but are paid weekly versus monthly.

THis is from a one page slipsheet for business owners (NY Workers Comp)

Who Doesn’t Need to be CoveredSole proprietors, individuals in partnerships(including LP, LLC, LLP, PLLC, PLLP or RLLP)and one/two-person corporations where theyown all stock (a share or more each) and hold allcorporate offices do not require coverage forthemselves if they do not have any employees.Business owners can always include themselveson a policy. For more complete information,including requirements for business ownersserving as subcontractors, see Ch. 3 of theEmployers’ Handbook, on the Board’s web site.

Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with. OrvilleHesperia, California

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